Brokers, do you consider only “traditional insurance products” worthy of your clients’ time, attention and budget? Most of the brokers I work with don’t think this way, but I’ve had conversations with older-thinking brokers boxed into the idea that any benefit outside of the health plan is something they don’t need to care about.

How often do your groups experience changes in carriers or plan designs? It’s commonplace in today’s benefits landscape. But, how do you help your groups diminish frustration points that come along with such changes?

Last fall, one of our brokers came to us with a unique challenge in this area which led us to a great strategy conversation – one of our favorite things to do.

Your groups need to keep top talent from competitors and attract new team members. This is one of the main reasons they look to you, as an employee benefits consultant. A strong benefits program, competitive pay, vacation, and flex time might be the minimum to get a candidate interested. But, how can the employer really stand out?

When is the last time you communicated an important piece of information that no one remembered? It’s frustrating and many times, the effects can be significant.

As a former HR Director, sometimes I felt my communication style was the rapid transit blasting info at people as fast as possible. Other times it was like a steam engine, huffing and puffing along. I often wondered if either method was actually working, but I can tell you this: creative help from one of my vendors was ALWAYS appreciated.

“What are you doing for employees that don’t qualify for benefits or didn’t elect health insurance coverage?” If you aren’t already asking your clients and prospects this question, I’m urging you to start!

Although rising health insurance premiums may make the question challenging for employers to answer, it’s also become increasingly important to ask. I see that there are two distinct ways to serve the unbenefited…

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This discount card program is NOT insurance, not intended to replace insurance, and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CRM 5.00. It contains a 30-day cancellation period, provides discounts only at the offices of contracted health care providers, and each member is obligated to pay the discounted medical charges in full at the point of service. For a complete list of disclosures, please click here. | Limitations, Exclusions and Exceptions | Discount Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box 803475, Dallas, TX 75380-3475.